I have more than once typed ref-number into the amount field. Ofc a transmission of $9765775689758 won't succeed, but if it did, I'm told there's little to be done about it, finders keepers.
You can certainly pursue the matter in civil courts, but law enforcement does not like to touch this kind of stuff at all. If the recipient transfers the money overseas, you will most likely never be able to recover it.
As a result, if I received a large amount of money that I coulnd't explain, I would contact the sender or the bank first. I can't just spend it immeditaly and claim that I had no idea.
You can go to court and get a judgement against someone with no assets to collect. In the end you’ll just have lost even more money.